with instant approval
that grows as you grow
no strings attached

No fees, no interest, no catch.


Sign up for a Kikoff Credit Account

Get instantly approved. No credit check.

Use your credit

We’ll open your credit line. You can begin using it immediately.

Make monthly payments

All it takes is one click. We’ll send you reminders so you know exactly when.

Sit back and watch your credit grow.


We’re legit.
Kikoff is a licensed lender. We’re also an official data furnisher for the major credit bureaus that determine your credit score.
No BS.
We report every payment you make, building your credit history. And we do it with no interest, no fees.
We’re serious about your privacy.
Your security comes first for us. We use bank-level encryption to protect your data and don’t sell it to third parties.
Your financial future, your terms.
Build your credit and get that car loan or apartment lease. Qualify for lower interest rates and save money.


Timothy L.
Mobile, Alabama
I’m a teenager about to turn 19, and of course credit is extremely confusing. Kikoff has helped me get a better understanding of the importance of building credit, while actively getting a better credit score!
Desiree F.
In as little as 2 months, my credit went from a 545 to almost a 600! I have a 2 year old with my fiance, so getting our credit up for our family is everything!
Nathan C.
Belle Vernon, Pennsylvania
I'm in the middle of getting my first car loan because my credit went from 0 - 596 in one payment... I was skeptical but now I tell all my friends about it!



To provide refreshingly fair, effective, and simple pathways to meet your financial goals.

Equal opportunity for everyone

Whether you don’t have credit yet or are trying to build it even more, personal finance can be confusing. We’re here to help you stay in control.

Expert team

We know the ins and outs of credit building, having worked at major financial technology companies. And we care deeply about improving financial access for everyone. Meet the team.

As reviewed on Nerdwallet
We’ve earned the trust of Silicon Valley’s most savvy investors--including social impact ones. We’re here for equality in financial opportunity.
LightspeedCore Innovation CapitalFemale Founders Fund
CoatueFoundation CapitalGGV Capital


What type of loan is this?

The Kikoff Credit Account gives you a $500 revolving line of credit. This type of credit doesn't have a fixed number of payments, so you get even more capacity and flexibility in building your credit.

With the Credit Account, you can make purchases from the new Kikoff Store! Think of it like a credit card, but there are no interest, no fees, AND we help you spend responsibly.

We’re always working on new credit-building features to improve your experience. Stay tuned for increased credit limits and even more purchase options. Just remember, the better you are paying back what you borrow, the better it looks on your credit score.

Will there be a pull on my credit?

Kikoff is NOT a pull on your credit.

Kikoff believes in helping you build credit easily so that you can reach those larger financial goals, like buying a car or a house.

We don’t check your score, we just help you build it.

What about the $12 loan?

It's an old product! We're no longer taking new sign ups for the $12 loan. But if you've got it, it still works. We're continuing to report your payments on the $12 loan.

We like to think of the Kikoff Credit Account as the new-and-improved version of the $12 loan. It's designed to give you unlimited payment history and low credit utilization, helping you grow your credit even more.